In the past few months I read the book "Rich Dad, Poor Dad" and it jump started me into seeking financial independence.

(with any personal info blacked out)There is prepaid interest (from closing date to the end of the month), interest on the old loan until it's paid off, possibly a new escrow account for taxes and insurance, credit report fee, appraisal fee, title insurance (yes even though title is not being transferred there is always a new lender policy issued). 

The buyer was insistent on getting a working heater, didn't want a $5,000 credit, and there were no standard replacement because of the age and the size of the unit.

@HAILEY ERSKINE Why not pursue purchase money mortgages...no banks, no credit checks...your energy and cash outlay needs to be focused on marketing, not looking at MLS deals through an agent...or buying retail property...

We got the inspection back today; the issues are as follows: mold beyond the surface mold we originally noticed when checking the house out, wood rot in left side floor, damaged roof joist, poor ventilation in the attic and mold, many of the chimney bricks are loose, standing water in crawlspace--potential mold, leaking shower and toilet leading to damaged floor/ceiling underneath, plumbing material issues, electrical not all properly grounded. 

In addition, it is consuming over half of my line of credit which limits me from buying other projects. 

Even credit unions.

I need help and advice about choosing a lender to finance this first house I have a great really good credit score, and the job I have been offered in Charlotte pays well so the banks like that but I do not have very much money to put down.

Experience and credit score are smaller impacts.

Hi would you rent to a graduate student newly arrived from west europe with no credit history, income or domestic guarantor?